Privacy Notice

Privacy Notice

What Does First Farmers and Merchants Bank ("First Farmers") Do With Your Personal Information?

Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and payment history
  • Credit history and credit scores
When you are no longer our customer, we continue to share your information as described in this notice.
How?
All financial companies need to share non-public personal information to run their everyday business. In the section below, we list the reasons financial companies can share their non-public personal information; the reasons First Farmers chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does First Farmers share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
yes no
For our marketing purposes –
to offer our products and services to you
no no
For joint marketing with other financial companies no no
For our affiliate' everyday business purposes –
information about your transactions and experiences
no no
For our affiliate' everyday business purposes –
information about your creditworthiness
no no
For our affiliates to market to you no no
For nonaffiliates to market to you no no

Who we are

Who is providing this notice?
First Farmers and Merchants Bank ("First Farmers")

What we do

How does First Farmers protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does First Farmers collect my personal information?
We collect your personal information, for example, when you
  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your debit card
Why can't I limit all sharing?
Federal law gives you the right to limit only
  • sharing for affiliates everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies. First Farmers does not share with Affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial or nonfinancial companies. First Farmers does not share with Nonaffiliates.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. First Farmers does jointly market.